The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,095
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,907
−HK$824/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,419
+HK$1,688/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,031
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,809
−HK$790/mo
Today · 4.125%
HK$30,599
baseline
▲ 0.50% · 4.625%
HK$32,212
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,198/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,314
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,288
−HK$990/mo
Today · 4.125%
HK$33,278
baseline
▲ 0.50% · 4.625%
HK$35,303
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,556/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,837
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,771
−HK$948/mo
Today · 4.125%
HK$36,719
baseline
▲ 0.50% · 4.625%
HK$38,654
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,438/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,533
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,669
−HK$1,155/mo
Today · 4.125%
HK$38,824
baseline
▲ 0.50% · 4.625%
HK$41,186
+HK$2,362/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,648/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,643
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,733
−HK$1,106/mo
Today · 4.125%
HK$42,839
baseline
▲ 0.50% · 4.625%
HK$45,097
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,678/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,971
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,432
−HK$1,485/mo
Today · 4.125%
HK$49,917
baseline
▲ 0.50% · 4.625%
HK$52,954
+HK$3,037/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,834/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,255
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,656
−HK$1,422/mo
Today · 4.125%
HK$55,078
baseline
▲ 0.50% · 4.625%
HK$57,981
+HK$2,903/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,156/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,148 · Scale 2, in force from 26 Feb 2026)